Date Received: 2017-02-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I AM A SUCCESSOR IN INTEREST. XXXX XXXX, XXXX, the CFPB issued Bulletin XXXX, ( see attached ) which subject was the Implementation of Guidance for Certain Servicing Rules. It specifically speaks about, POLICIES AND PROCEDURES REGARDING SUCCESSORS IN INTEREST TO THE PROPERTY OF A DECEASED BORROWER. I AM A SUCCESSOR IN INTEREST. As well I am the OWNER, by RIGHT OF SURVIVORSHIP of the property being foreclosed by Specialize Loan Servicing, LLC. Since the death of my mother in XXXX of XXXX I 've been working to try to get Specialized Loan Servicing to send me a request for Mortgage Assistance Package as they said they would. On more than several occasions they said they would send the package to me and said many times that the package was in the mail and I never received anything from Specialized Loan Servicing. And in XXXX of XXXX they started to foreclose on my house. My mother and I owned the property as Joint Tenants ; when she passed away I became the sole owner with Right of Survivorship. I 've tried to tell Specialized Loan Servicing this over and over, but they say I need to go to Probate and I 've been told by XXXX attorneys that I do n't because I own the property by Right of Survivorship. Please see the attached the recorded Grant Deed. My mother and sister having deeded back to me in XXXX. Please see the attached the recorded Affidavit Death of Joint Tenant I tried to convey this to specialized loan servicing several times, I 've sent them the deed to the house three ( 3 ) times showing my ownership. I 've had to send it three ( 3 ) times because every time I call I get some when different, who is asking me for the same documentation over and over again. Then after several attempts specialized loan servicing told me that because I was not on the loan they could not send me any information. But I 've told them I do n't want information about the loan because my mother is dead and that I just want to work this out with them, so that I can sell the house and have time to relocate, because I am XXXX ; my brother lives here and my elderly aunt and uncle live here also. I have a real estate agent who has had the property on the market since XXXX XXXX of XXXX. The house needs a lot of work ; I have had multiple offers for the purchase of the house and have actually accepted XXXX, but Specialized Loan Servicing is not sending me the necessary Request for Mortgage Assistance form, as they said they would for me to submit for the sale of the house. AS A SUCCESSOR IN INTEREST and OWNER, by RIGHT OF SURVIVORSHIP, I want Specialized Loan Servicing to send me a request for mortgage assistance package as they have said they would, and I just want to work this out with specialized loan servicing, so that I can sell the house and have time to relocate. I am XXXX ; my brother lives here and my elderly aunt and uncle live here also. My real estate agent has gotten me a good offer from a Buyer. I just want to sell the house so that we are not put in the street.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90062
Submitted Via: Web
Date Sent: 2017-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had finished a " Making Homes affordable '' program here in Michigan with Specialized Loan Services ( SLS ). They received an allotment of money from the program each month and I furnished a lower version of my normal monthly premium. When the program came to an end, my mortgage went back up to its regular amount. I began making a regular payment and certainly able to do so, now that I am on retirement social security. Without notifying me ahead of time, SLS switched my mortgage back to XXXX XXXX XXXX XXXX XXXX XXXX. I was notified only after the fact, when my payment was en route through the postal service. Within a very short time, ( again without prior notification ) XXXX sold my mortgage back to SLS. Again only after I had sent out another payment. I have been making steady payments with no issues, but two days ago i received a certified letter from SLS saying they are going to foreclose within thirty days, because there is an arrears of XXXX. I am enclosing copies of receipts of my payments and all letters I received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2017-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was sold to Specialized Loan Servicing on XX/XX/2016. My mortgage payment was due on XX/XX/2016 I made the payment of XXXX on XX/XX/2016 to the original creditor. The new company is now applying my payments a month behind and reporting my account as delinquent. I have sent them proof of all payments but they will not correct the mistake. I have also called the original creditor and they claim they are due that payment from XX/XX/2016 and when the loan was transferred it was marked current with the next payment due on XX/XX/2016.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My first complaint addresses the fact that XXXX XXXX XXXX sold my mortgage loan to a company by the name of ( SLS ) Specialized Loan Servicing , LLC. However, I was never informed by XXXX XXXX XXXX of this transfer. ( SLS ) did in fact inform me of the transfer after the fact by sending me a mailed letter through regular mail XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX concerning a letter that they had sent to me stating that I had missed four payments. The representative and myself from XXXX XXXX XXXX went over my payment history and could not find these four missed payments. However, during this call ; there was no mention about of a loan transfer. As a matter of fact, the last thing she asked me was " When was I sending in my next payment ''? Also, ( SLS ) sent me a letter stating that they will foreclose on my home on XX/XX/XXXX. I have submitted the letter that was sent, and copies of my Bank statements showing all of my payments. Be informed that, UCC 3502 states that if you were late, you are in dishonor, but from the moment they accepted your payment ( cashed your check or posted payment to your account ) then it is to be treated as never being in dishonor ( never being late ). I have attached the document labeled XXXX # XXXX which is the last letter and only recent letter that was sent to me by XXXX. It mentions nothing about my loan being transferred. If XXXX XXXX XXXX claim that they informed me of the transfer ; that will be a false statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36301
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage was with XXXX. I sent so many documents to XXXX. For years I sent documents. I had a loan modification with XXXX. My loan was transferred I tried at tell them that I had a plan with XXXX. SLS said they could n't find anything. I had to start over. I have sent many documents to them. SLS even sent me a Summons and Complaint. When I learned that my loan was transferred I was confused because XXXX had just approved me for a loan modification. With SLS I had to start over and still sending documents. I do not want to lose my home. I paid an attorney to help me over {$5500.00}. ( considered a scam ) he took my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2017-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am writing to document a formal complaint against SLS and XXXX mortgage servicing companies. Recently, SLS ( Specialized Loan Servicing Company, www.sls.net ) purchased my mortgage from my previous lender, XXXX ( XXXX ). The transfer process has been very frustrating ; consumers should not be collateral damage in the loan transfer process, particularly given the fact that consumers do not consent to the buying and selling of their mortgages. This has created an incredible amount of work for me and wasted a lot of time, and this clearly has been the case for others too, as evidenced by SLS ' reviews and XXXX online. On XX/XX/XXXX, payment from SLS to XXXX went through for the remaining principle ( based on a XX/XX/XXXX calculation ) for my mortgage ; however, on XX/XX/XXXX, XXXX also auto-drafted the monthly payment from my checking account. XXXX does not have record of this on my online profile and they have not forwarded this payment to SLS as both companies have said they would through the transfer process. XXXX now has sent my to a debt collector for failure to pay my XXXX payment and plans to auto-draft double my monthly payment from my checking account on XX/XX/XXXX. This is unacceptable, and has to stop. Consumers rights need to be protected during the home buying and selling process and the onus of record keeping should not fall to the consumer, the innocent bystander in this process. To make matters worse, neither LoanCare nor SLS offers customer support on the weekends. I work a very busy job with long hours and am not available to troubleshoot and clean up the mess that SLS has created during the weekdays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2017-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX XXXX transferred my loan to Specialized Loan Servicing on approximately XXXX/XXXX/XXXX. At the time my mortgage payment with XXXX XXXX was XXXX. It was broken down as follows : P & I {$1000.00} and Escrow of {$450.00}. The escrow amount amount transferred to SLS was {$4200.00}. Specialized loan services did not send me any statements so I contacted them to start paying my mortgage. They insist that the amount of my mortgage payment is {$1900.00}. {$1000.00} in P & I and {$870.00} in escrow. This would calculate out to over XXXX a year in taxes. As my property tax is only XXXX and my insurance premium is {$670.00}, the amount that they are trying to escrow is twice what it should be. I mailed a payment for {$1400.00} in XXXX which was cashed by SLS in late XXXX. In XXXX I made a payment of XXXX to make sure that there was enough funds in escrow to cover my taxes. I also made two payments in XXXX XXXX in the amount of XXXX. I have finally gained access to my online account in XXXX to find out that SLS is keeping all payments of XXXX in an unapplied account and calling my account delinquent. I have made numerous calls and have spent hours on the phone with various SLS staff and have been disconnected, put on indefinite hold, and told that a ticket has been opened only to call back to find that there is no ticket for the problem. In XXXX alone I spoke with XXXX in executive services Empl # XXXX on XXXX ; he was going to call and update me the following week. He did not. I spoke with XXXX in executive services Empl # XXXX on XXXX/XXXX/XXXX and was told they are still looking into it. I spoke with XXXX in Executive Services Empl # XXXX and was told to write an e-mail to XXXXXXXXXXXX I did write that e-mail and have not had any response. She also told me that SLS would not accept any payment less than XXXX. I honestly do not know how to move forward with this to get this resolved. I received a new escrow analysis showing my monthly mortgage payment beginning XXXX XXXX will be XXXX. However this does not resolve the fact that SLS is not applying my current payments to my mortgage. In closing I received a letter from SLS today stating that my mortgage is seriously delinquent due to the fact that they are holding all of my payments in an unapplied fund account. This is negatively affecting my credit rating and by not applying my payments correctly, the interest I paid in XXXX is incorrect as well as the fact that I am accruing additional interest on my mortgage. Additionally they are holding a cushion of {$840.00} in addition to the {$840.00} which is XXXX of the estimated payments for my anticipated escrow. Any assistance that you can give me would be greatly appreciated. It has been a nightmare dealing with SLS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53140
Submitted Via: Web
Date Sent: 2017-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Here we go again with Specialize Loan Services. Constant complaints with this company. I just finish a complaint in XXXX that they did not pay my XXXX XXXX property taxes. NOW this time Effective XXXX XXXX, XXXX they are my servicer again. Why couldnt XXXX XXXX XXXX Keep my Mortgage account I was more happier with them. ANYWAY Specialize Services did not Pay my Property Insurance which was Due XXXX XXXX, XXXX. I received a Cancellation Notice to be cancelled on XXXX XXXX, XXXX. I went on and paid {$220.00} TO BE IN COMPLIANCE WITH MY INSURANCE COMPANY!!! NOT MY MORTGAGE COMPANY. It is obvious they are not in compliance and hiding something when it comes to escrow. I already paid with my mortgage payment which includes the property insurance and property taxes. SPECIALIZE LOAN SERVICES did not pay another escrowed bill once again. I am not happy at all with their service. I refuse to talk to the customer service because I do not get anywhere and everybody I talk to sounds like they are in training.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2017-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied for a HAMP modification from Specialized Loan Service LLC ( SLS ) with the help of XXXX ( XXXX ) in XXXX. I was then told 5 weeks later that they would n't accept XXXX packet, so, I filled theirs out and updated all the docs requested of me.By the end of XXXX, I was told all of the docs had not been received and I would have to update mine and my daughter 's Social Security benefit letters while I was at XXXX. I left and went to the S.S. office and got both of the docs and brought them back to XXXX XXXX faxed them over to them immediately and brought my bank Statements up to date. When calling SLS in XXXX, I was told by XXXX, my counselor at SLS, I would n't be eligible for any government programs because they were missing my daughter 's S.S. benefit letter. She said even if I faxed them that morning at XXXX XX/XX/XXXX, it would be too late because it takes 24-48 hours to get into their system. She was very rude to me. I faxed them anyway and called them back and spoke to XXXX she told me that as long as I had the receipt dated before XX/XX/XXXX that it was acceptable but that I was also missing an update on my bank statement. I asked " Why did n't XXXX tell me that when I spoke to her earlier? '' She had no idea and she said she should have. I read that on XX/XX/XXXX there was a class action suit filed against SLS for the same reasons I 'm telling you about! They run people around for documents 2 and 3 times saying that they never got them. And They are not reviewing my application in a timely manner. I was also told by XXXX that the HAMP is over. I heard on the news that it has been extended. They have even called my insurance company and told them that I was in foreclosure. I have n't received any notice of that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2017-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I learned that our mortgage company reported the month of XXXX 2016 late to credit reporting agencies. We have paid all of our monthly payments timely, in XXXX parts, each month in the full amount due. I review the transaction history online on a regular basis, and each month, including XXXX 2016, showed {$0.00} owed for the monthly payment and a reduction in our principal balance. I have since been advised that the mortgage company, Specialized Loan Servicing, alleges to have increased our monthly payment from {$5000.00} to {$5300.00} claiming an " escrow shortage. '' I did not receive notice of this change. I have since found buried in the statement history an unintelligible letter which in small print, after several charts, notes an increased payment. However, the webpage still showed the original payment amount and both XXXX and XXXX 2016 I paid the original amounts and it showed a {$0.00} balance. Nonetheless, without warning, and without advising we " missed '' the extra {$200.00} for XXXX and XXXX 2016, SLS reported us late. This has decimated our credit, and eliminated any chance of our refinancing this loan. Clearly our history shows we believed we were paying our payment in full, and on time, as we had been. This negative reporting and sneaky attempt to increase our payment ( just 8 months into the loan ) is improper. After all, should n't SLS have to provide a valid reason for adjusting our payment when they decided the amount necessary for escrow? Should n't they have to provide conspicuous notice of the change? Should n't they have to let us know the problem and give us a chance to cure it before reporting to creditors? This is outrageous, and significantly stressful. We have been working diligently to put us in position to refinance - and just got denied and discovered these unfair and underhanded tactics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2017-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No